1:26Does it matter who hit me in a Texas car accident?
Matthew Graham
Fault and insurance
What happens when the other driver’s policy limits are too low?
The short answer
Your recovery can be capped by the other driver's policy limits, so you should also look at your own coverage. Sameer Assanie, an associate attorney here, shared in a 2026 video that our team works to secure as much of that policy as possible, and that your own first party coverage can fill the gap.
“Sometimes our recovery is limited by the policy limits on the other side, meaning that the person who hit you purchased only so much insurance”
Key points from Sameer
When someone asks what a case is worth, Sameer Assanie says no one can name a figure at the start, so be wary of anyone who does.
Getting you proper care and treatment first puts our team in as strong a position as possible when it is time to negotiate with the insurer.
The aim is to recover as much of the other driver’s policy as possible, or every dollar of it.
Adequate coverage from your own insurance company helps when injuries are severe, when the other party carries too little, or when the driver is uninsured, drunk, or gone.
When the policy on the other side runs short
Sameer Assanie describes a limit that sits outside anyone's control. The person who hit you bought only so much insurance, and the recovery can stop there. At that stage the firm tries to get you most or all of what that policy holds, which is the first of the two points he makes.
What you can control is your own policy. He calls this taking matters into your own hands. Protection through your own carrier matters when injuries are severe and the other side has too little, or none at all. He says it does not matter whether the driver fled or was drunk, so he wants everyone carrying more than basic liability limits.
Read next on our site
Other sources of payment, once the other driver’s coverage runs dry, are listed on our page about insurance that is not enough.
Related questions
See all 23 questions
Know both policies before you settle
If the other driver's insurance may not stretch far enough, ask our team about it on a free consultation, with your own policy ready.
This video and answer explain Texas law in general terms; they are not advice about your own case, and watching does not make us your lawyers.